Robert Rippy-Hermonat - Alliance Mortgage Group

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Robert Rippy-Hermonat - Alliance Mortgage Group Mortgage Broker and Firefighter/Paramedic focused on making home loans clear and stress-free. NMLS #2728726
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Hi, Iโ€™m Robert Rippy-Hermonat โ€” a mortgage broker, firefighter/paramedic, husband, and dad of two. Iโ€™ve spent my entire adult life serving others, and that mindset is at the core of everything I do. Whether Iโ€™m responding to an emergency call or helping someone navigate buying a home, my goal is always the same: bring calm, clarity, and support during moments that can feel overwhelming. My background in firefighting and EMS taught me how to communicate clearly under pressure, pay attention to the details that matter, and guide people through stressful situations with confidence. Iโ€™ve carried those skills into mortgage lending, where I focus on helping families understand their options in a way that feels simple and approachableโ€”not confusing or stressful. I work with a wide range of loan programs, and Iโ€™m especially passionate about helping veterans make the most of their VA home loan benefits. I didnโ€™t serve in the military myself, but Iโ€™ve worked alongside veterans throughout my career in the fire service, and I have deep respect for their dedication and sacrifices. Supporting them through the lending process is something Iโ€™m honored to do. Whether youโ€™re a first-time buyer, a veteran, or a family exploring a refinance, Iโ€™m here to walk with you through the process and make sure you feel informed and supported from start to finish. At the end of the day, Iโ€™m just a regular person who wants to help other people build stability, opportunity, and confidence through homeownership. If you ever need guidance or have questions, Iโ€™m here to help however I can.

10/01/2026

Down payment assistance is out there, and most first-time buyers in Texas never hear about it. Some programs are grants you don't pay back. Others are second liens that are often deferred or forgiven.

Every program has its own requirements. Send me a message and I'll check what you qualify for.



Robert Rippy-Hermonat | Mortgage Loan Originator
Call/Text: (469) 877-5422
Email: [email protected]
NMLS #2728726
Alliance Mortgage Group | NMLS #292257

09/24/2026

Thinking about buying your first home? The down payment is only part of the picture. Closing costs usually run 2โ€“5% of the price, and here's the part most buyers miss: you can negotiate for the seller to cover some of them.

Want the full breakdown? Comment GUIDE and I'll send you my free First-Time Homebuyer Guide.

Download the FREE GUIDE here: https://robert-rippy-hermonat-alliance-mortgage-group.kit.com/fthbguide?utm_source=SM



Robert Rippy-Hermonat | Mortgage Loan Originator
Call/Text: (469) 877-5422
Email: [email protected]
NMLS #2728726
Alliance Mortgage Group | NMLS #292257

09/14/2026

Think your interest rate is the same no matter which lender you use? That's actually one of the biggest myths out there โ€” and believing it could cost you thousands over the life of your loan.

Rates vary by lender based on their pricing, margins, and market conditions the day you lock โ€” meaning two people with identical credit, income, and down payment can get quoted completely different rates from different lenders.

Already have a quote and want a second opinion? Or just want to understand what actually goes into your rate? Send me a message, happy to walk through it.

Robert Rippy-Hermonat
(469) 877-5422
[email protected]
Mortgage Broker | NMLS # 2728726
Alliance Mortgage Group | NMLS # 292257

09/11/2026

Buying a brand-new construction home? Watch out for the year-two property tax jump!

In year one, your property taxes are often calculated based on unimproved land value rather than the fully completed home.

Once the county reassesses the finished property in year two, your tax bill jumps significantlyโ€”leading to an escrow shortage and a higher monthly payment.

Planning to buy a new build in North Texas? Ask how to properly budget for taxes in the comments!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
๐Ÿ“ž (469) 877-5422
๐Ÿ“ง [email protected]
๐ŸŒ https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

09/11/2026

Looking to build or expand your real estate investment portfolio without hassle?

DSCR (Debt Service Coverage Ratio) loans qualify you based solely on the property's projected rental income rather than your personal tax returns or W-2 income.

If the rent covers the mortgage payment, the property qualifiesโ€”making it one of the best tools for scaling your portfolio fast.

What investment property questions do you have? Drop them in the comments!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
๐Ÿ“ž (469) 877-5422
๐Ÿ“ง [email protected]
๐ŸŒ https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

09/09/2026

Here is something most first-time buyers aren't warned about: your monthly mortgage payment can change after year one.

Even with a fixed-rate loan, your total monthly payment includes escrow for property taxes and home insurance, which adjust annually.

When local property tax rates or insurance premiums go up, your escrow account experiences a shortage that increases your monthly payment in year two.

Want tips on how to prepare for escrow adjustments? Leave a comment below!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
๐Ÿ“ž (469) 877-5422
๐Ÿ“ง [email protected]
๐ŸŒ https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

09/09/2026

VA Tip Tuesday

One of the most valuable hidden features of a VA loan in today's rate environment is assumability.

If a seller has an existing VA loan with a low interest rate, an eligible buyer can actually take over that exact mortgage and rate.

This can mean massive monthly savings compared to current market rates when buying a home.

Want to know how a VA loan assumption works? Ask your questions in the comments!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
๐Ÿ“ž (469) 877-5422
๐Ÿ“ง [email protected]
๐ŸŒ https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

09/07/2026

Think your student loan debt keeps you from buying a house? That's a huge myth holding buyers back.

Lenders don't look at your total student loan balanceโ€”they look at your monthly payment when calculating your debt-to-income ratio.

Even if your loans are in income-driven repayment or deferred, there are standard calculations we use that might be far lower than you think.

Want to see how your student loans affect your buying power? Drop a comment below!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
๐Ÿ“ž (469) 877-5422
๐Ÿ“ง [email protected]
๐ŸŒ https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

09/04/2026

Thinking about switching jobs while under contract for a home? Pause right there!

Changing employers, transitioning from W-2 to 1099, or switching compensation structures mid-application can derail your loan approval right before closing.

If a job change is unavoidable, consult your lender immediately before making any moves so we can protect your loan timeline.

What mortgage red flags are you worried about? Let me know in the comments!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
๐Ÿ“ž (469) 877-5422
๐Ÿ“ง [email protected]
๐ŸŒ https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

09/03/2026

If you're self-employed and write off business expenses on tax returns, qualifying for a traditional mortgage can be tough.

Bank statement loans allow business owners to qualify based on 12 to 24 months of actual business or personal bank deposits instead of net taxable income.

Itโ€™s an incredible option that lets business owners buy a home without giving up their legitimate tax write-offs.

Are you self-employed and looking to buy in DFW? Ask me how bank statement loans work in the comments!







Robert Rippy-Hermonat
Mortgage Loan Originator
NMLS #2728726
Alliance Mortgage Group
Company NMLS #292257
๐Ÿ“ž (469) 877-5422
๐Ÿ“ง [email protected]
๐ŸŒ https://alliancemtggroup.net/about-us/robert-rippy-hermonat/

Address

2770 Main Street Suite 221
Frisco, TX
75033

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